FY2027 Small Area FMR · Clifton Park, NY

ZIP 12065 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 12065 (Clifton Park, NY) is $1,890 a month, up 2.7% from FY2026. That is 10% above the Albany-Schenectady-Troy, NY area-wide FMR of $1,711.

2-bedroom SAFMR$1,890per month ▲ 2.7%

Area-wide 2 BR FMR$1,711Albany-Schenectady-Troy, NY

Rank in the area24thof 153 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,701

2 BR Small Area FMR$1,890

110% of SAFMR$2,079

Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.

Studio$1,370▲ 3.8%

1 BR$1,570▲ 2.6%

2 BR$1,890▲ 2.7%

3 BR$2,250▲ 1.8%

4 BR$2,480▲ 1.6%

FY2027 FY2026

Where 12065 sits in the Albany-Schenectady-Troy, NY area

Of the 153 ZIP codes HUD lists for the area, 12065 has the 24th highest two-bedroom Small Area FMR. Albany-Schenectady-Troy, NY is not on HUD's list of mandatory Small Area FMR areas, so voucher payment standards here are normally based on the area-wide FMR of $1,711 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,890 for this ZIP code instead.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$1,370	$1,233 – $1,507	$1,238	$1,320
1 bedroom	$1,570	$1,413 – $1,727	$1,425	$1,530
2 bedrooms	$1,890	$1,701 – $2,079	$1,711	$1,840
3 bedrooms	$2,250	$2,025 – $2,475	$2,039	$2,210
4 bedrooms	$2,480	$2,232 – $2,728	$2,249	$2,440

A household renting a two-bedroom home at the Small Area FMR of $1,890 needs about $75,600 a year to keep housing costs at 30% of income. The area median family income is $123,100 and the 80% low-income limit for four people is $98,500. ZIP code 12065 lies mainly in Saratoga County. See the Albany-Schenectady-Troy, NY metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
12148	Rexford	3.6 mi	$1,540
12151	Round Lake	4.9 mi	$2,230
12188	Waterford	5.0 mi	$1,650
12309	Schenectady	5.4 mi	$1,920
12047	Cohoes	5.6 mi	$1,760
12118	Mechanicville	5.7 mi	$1,560

Questions

What is the Fair Market Rent for ZIP code 12065?

HUD's FY2027 Small Area Fair Market Rents for 12065 are $1,370 (studio), $1,570 (1 BR), $1,890 (2 BR), $2,250 (3 BR) and $2,480 (4 BR) a month.

What is the Section 8 payment standard in 12065?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 12065 that range is $1,701 to $2,079 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 12065?

The FY2026 income limits of the Albany-Schenectady-Troy, NY area apply: median family income $123,100, low-income (80%) limit $98,500 for a family of four.